Terms · Privacy · Disclaimers

1. Educational Purpose Disclaimer

This website is intended to share educational content related to the book Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth. The information provided is general in nature and not intended as financial, legal, tax, or investment advice. No material on this site constitutes a recommendation to engage in any particular financial strategy or transaction.

For personal guidance, please consult a licensed financial advisor, tax professional, or attorney.

2. No Advisory Relationship

Visiting this site, downloading materials, or scheduling a conversation does not create a financial advisor–client relationship. The FLOW Clarity Call is designed as an informal, educational conversation and does not include advice, recommendations, or any analysis of your personal financial situation.

You will not receive written financial plans, investment advice, or product recommendations through this website.

3. Affiliate and Institutional Disclaimers

The author of Financial FLOW is affiliated with a national financial planning franchise. However, this website is not sponsored by, endorsed by, or connected to Ameriprise Financial or any other institution.

Nothing on this site should be construed as a representation of Ameriprise or its affiliates. No investment products or services are offered here.

4. Privacy Policy

If you choose to provide your name, email, or phone number (e.g., to download resources or schedule a call), that information will be used solely to deliver the content you requested and communicate with you about future updates or offerings related to Financial FLOW.

Your information will not be sold, rented, or shared with unaffiliated third parties. You may unsubscribe at any time.

5. Intellectual Property

All content on this website—including the book, frameworks, worksheets, and the FLOW and INDIGO trademarks—is the intellectual property of Violetta Sit Terpeluk. No portion may be reproduced or distributed without express written permission.

6. Investment Risk Disclosure

Investment products are not insured by the FDIC, NCUA, or any federal agency. They are not deposits or obligations of—or guaranteed by—any financial institution. Investments involve risk, including possible loss of principal and fluctuation in value.

7. Copyright and Trademark

© [2025-2026] Violetta Sit Terpeluk. All rights reserved.
Financial FLOW and INDIGO are proprietary concepts owned by the author. All other trademarks belong to their respective owners.